SANITAS PROFESIONALES

THE SOLUTION FOR THE SELF-EMPLOYED IN SPAIN WHO NEED MORE THAN JUST HEALTH INSURANCE

Sanitas Profesionales is the most complete cover designed for self-employed workers like you.

Healthcare insurance that includes the most complete healthcare, adapting to the needs you may have as a self-employed worker and to those of your family.

The first €500 of the insurance premium is tax free.*

  • Sanitas Profesionales is a product involving no co-payments, for customers who prefer not to make any extra payments for using the policy.
  • Sanitas Profesionales Plus has a progressive co-payment structure, where you pay nothing for the first six services.
  • Sanitas Profesionales Óptima has the most affordable premium and a slightly higher co-payment structure.
Cover included in Sanitas Profesionales

Primary Care
General medicine, paediatrics, nursing assistance, emergency services…
Access to all specialities without restrictions
Cardiology, dermatology, endocrinology, orthopaedic traumatology, gynaecology, ophthalmology, oncology, psychiatry…
Diagnostic tests
Clinical tests, ultrasound scans, x-rays, MRI scans, endoscopies, scanning…
Therapeutic methods
Rehabilitation sessions, oncological treatments, respiratory therapies, speech-language therapy sessions, lithotripsy, radiotherapy…
Surgical operations
with or without a stay in hospital.
Dental Cover
Sanitas Dental 21 is included in the product and provides access to all the clinics and dentists in our dental network, with 30 services included in the cover and discounts of up to 21% on all other treatments.

It also includes specific cover for the self-employed:

Traffic and work accidents: Unlike most healthcare insurance, it also includes the best care in these types of situations

Additional cover options

Sanitas Profesionales is designed to cover all your needs in Spain and outside Spain too:

Pharmacy cover
To obtain your medication at half price. 50% refund of your pharmacy expenses.

Optical cover
To help you with the cost of your optical material: prescription glasses and prescription contact lenses.

Traffic and Labour Accidents
To have the best medical care included in your cover in the event of this type of contingency.

Hospital compensation
If a stay in hospital is required, Sanitas will provide compensation for each day the insured person is hospitalised.

Alternative medicine cover
so you can visit the medical professional of your choice and benefit from refunds in homoeopathy and acupuncture.

Repatriation guarantee
transfer of the insured and a companion to the country of origin in case of death of the insured.

Reimbursement add-on
Free choice of specialist and medical centre with the option to set a cap of €150,000 or €300,000 for your trips abroad(2).

Services included in Sanitas Profesionales

Second medical opinion
By Sanitas from world-renowned specialists.
Sanitas 24 hours
Helpline for emergencies and medical advice.
Sanitas Welcome
24-hour helpline to speed up procedures.
Sanitas Responde
Telephone and online platform staffed by medical professionals with general advice programmes.
Online services
(arranging appointments, downloading test results, requesting refunds, arranging medical authorisation, etc.) through your private online area

Waiting periods:
Outpatient surgical operations3 months
High-tech diagnostic tests6 months
Psychology6 months
Childbirth or Caesarean8 months
The following complex therapeutic methods: interventional cardiology, haemodynamics, interventional radiology, radiotherapy, chemotherapy and lithotripsy.10 months
Tubal ligation and vasectomy10 months
Hospitalisation and non-outpatient system surgical operations.10 months

And if you already have health insurance with a competitor, all waiting periods are eliminated except the one corresponding to childbirth.

Maximum age at inception date

The maximum age for purchasing this product is 75 years old.

Cover age limit

There is no cover age limit.

Discounts

Discount due to payment method 4% annually

Co-payments

This is the additional amount that you must pay to use certain services. We provide details of these amounts in each of the services below:

Sanitas Más Profesionales Plus
From 0 to 6 services0 €
Fro 7 to 10 services4 €
From 11 to 15 services7 €
Over 15 services10 €
Dental3 €
Single co-payment in services requiring a high number of uses*: €12

*Physiotherapy (10 sessions), ventilotherapy (15 sessions), oxygen therapy (30 days for BPAP and CPAP and 15 days for aerosol) and childbirth classes.

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Sanitas Más Profesionales Óptima
From 0 to 3 services4 €
From 4 to 10 services7 €
From 11 to 15 services10 €
Over 15 services15 €
Dental3 €
Other services outside this structure:
Complex diagnostic tests:12 €
Complex therapeutic methods:12 €
Emergency:8 €
High frequency of use pack:20 €

*In both cases, the calculation of the services is carried out per insured person and per year.

 

 

Exclusive cover included for the self-employed

Medical assistance in case of traffic and work accidents.

Death in case of accident
  • Funeral service
  • National transfer
Total protection

Cover in the event of temporary disability or hospitalisation:

  • Payment protection
  • Support with housework
  • Childcare and home-based laerning support
  • We bring you your mail from your office to your home
  • Home delivery of medicines
  • Physiotherapy at home
  • Taxi service for everyday procedures